Sub Prime Credit Thread Part III

duggie1982

Afternooooon!

danielanthony

Hi,

I have posted this in 'LOANS' but dont seem to be getting anywhere, I know some smart people hang out on this thread here so here goes:

I have two accounts with Orange (mobile phones) on my Credit file which started in 2001 and were covered by my IVA which started May 2003.

Now, neither accounts were marked as 'DEFAULTED' but marked as 'SETTLED' in 2005, all good so far. BUT, on my Equifax credit file they show missed payments from 2002/2003 whereas on my Experian file the repayment history does not go back so far.

So my question is: how will these missed payments in 2002/2003 affect my ability to get credit today? Should I ask Equifax to mark these 'SETTLED' Orange entries as 'DEFAULTED' so that they are removed in May 2009? Seems like a step backwards in order to move forwards to me.

sutton111

buon pomeriggio

sutton111

My NOC has been removed. Which I am pleased about.

cifpower

danielanthony wrote: »

Hi,

I have posted this in 'LOANS' but dont seem to be getting anywhere, I know some smart people hang out on this thread here so here goes:

I have two accounts with Orange (mobile phones) on my Credit file which started in 2001 and were covered by my IVA which started May 2003.

Now, neither accounts were marked as 'DEFAULTED' but marked as 'SETTLED' in 2005, all good so far. BUT, on my Equifax credit file they show missed payments from 2002/2003 whereas on my Experian file the repayment history does not go back so far.

So my question is: how will these missed payments in 2002/2003 affect my ability to get credit today? Should I ask Equifax to mark these 'SETTLED' Orange entries as 'DEFAULTED' so that they are removed in May 2009? Seems like a step backwards in order to move forwards to me.

I would say the missed payments will have little no to effect on your ability to gain credit

cifpower

sutton111 wrote: »

My NOC has been removed. Which I am pleased about.

That's good news. Any further news on Next?

Innocent_Guy

sutton111 wrote: »

My NOC has been removed. Which I am pleased about.

Apply away!!!!

NID thinks I'm a homosexual I think LOL

Innocent_Guy

cifpower wrote: »

That's good news. Any further news on Next?

He got an account with them after he defaulted LOL

cifpower

Innocent_Guy wrote: »

He got an account with them after he defaulted LOL

I know that. I just wanted to know if it had been fully opened and Next hadn't changed their mind.

Innocent_Guy

cifpower wrote: »

I know that. I just wanted to know if it had been fully opened and Next hadn't changed their mind.

He is offline